FIS Commerce App

Staying top-of-wallet as consumers transition to mobile payments

Agenda

Companion App for Cards

Trends for mPayments

Position Your Institution

Roadmap & Pricing

Next Steps

We’re accelerating toward a

new mobile payments reality

3

The consensus among financial institutions is that mPayments will

be the dominant form of payment in the next 2-5 years

RETAILERS ARE IN

POSITION TO DRIVE

Retail competition is fierce and

mPayments helps retailers

grow profits as more options

and ease of use drive increased

spend

INFRASTRUCTURE

IN PLACE

Card provisioning and token

services are aligned with an

mPOS ready retail

environment

EVERYTHING MOBILE

GROWS

Consumers are increasingly

comfortable, even

dependent on their phones

for more and more seamless

convenience

Card controls and

transaction alerts

help drive down

fraud and loss risks

Consumers are

growing more

comfortable using

smartphones to

purchase online

QR code

payments

resurgence

around the

world

Pay wallet and

Payment App use is

accelerating

Cash is no longer

king in today’s

mobile device-driven

society

mPayments Trends

4

5

64% of financial institutions plan to offer a mobile wallet by 2020

• Be the card that consumers can use securely anywhere, any time and any way they want to pay

• Make it as easy as possible for consumers to add their cards to apps

6

The shift to mobile payments poses the single biggest threat to

issuers in losing their top-of-wallet status.

Consumers Prefer Their Primary Financial Institution

Consumers are

more likely to

choose an FI wallet

than Apple or

Android Pay

Of consumers only

download apps

from brands and

institutions they

trust

77%

Of global

consumers said

their last purchase

was made using an

app on their mobile

device

68%Of U.S. consumers

said they would

spend more for

products or

services if the

experience were

better

37%

7

Position your institution to be ready for

the payments shift

Stay ahead of the pack

Get ready for the shift from

physical to mobile payments

with the FIS Commerce App

October 2015 2020

FIS Commerce AppProduct, Technology and a Strategic Partnership

8

• A companion App to the physical debit or credit

card

• A joint investment between FIS and Visa to

enhance consumer credit and debit card usability

& experience

• Promotes Issuer Brand

• Creates new payment card Commerce Experiences

• Drives a consistent Digital Experience across

ecosystem

• A new technology layer emerged enabling

brands/payment processors to drive a consistent

payments experience in a brandable mobile app

Top-of-wallet

CreditDebit

FIS Commerce App BenefitsMake Your Card More Powerful

9

• iOS and Android App

• Enroll Credit and Debit cards into the app

• Make contactless payments on Android with NFC and HCE/Tokenization

• Get real-time Transaction Alerts through Push, Email or SMS

• Suspend the card on the go with Card Controls On/Off

• View Balance and Transaction History

• Use the in-app locator to find Branches,

ATMs and locations to use NFC payments

• Stay secure with biometrics to cover fingerprint and facial recognition

Enable real-time alerts:

• Reduce fraud loss by 37%2

• Increase spend by 13%3

FIS Commerce Application fulfills all brand requirements regarding transaction alerts4.

FIS Commerce AppCurrent Features

10

Supports:✓ iOS & Android

✓ White Label or

Shared

✓ VISA & MasterCard

✓ FIS Debit or Credit

Transaction Alerts:✓ Transaction Amount

✓ Card Not Present

✓ International Trans

✓ Gas Station

✓ ATM Withdrawal

Wallet:✓ In-App Payments

for Android

✓ In-Store NFC

Payment for Visa

✓ Visa Checkout

Provisioning

Features:✓ Card Controls On/Off

✓ Balance Inquiry

✓ Trans History (up to 15)

✓ App Linking

✓ ATM Locator

✓ Biometric Security

Full Marketing Support from FIS

11

• Choose from free turn-key materials that you can make your own, or

• Utilize our white glove program for customized adoption marketing programs that we’ve designed to

drive cardholder adoption.

FIS Commerce App online marketing toolkit.

12

The FIS Commerce Application

Online Toolkit offers:

• 24/7 access

• Source files/templates

• Customizable marketing

materials, insert your logo,

theme line and colors

• Training materials,

in-branch POS,

e-mail series, digital banners

& social media campaigns

Use omni-channel tactics to create campaigns that will consistently and effectively communicate the message to download your mobile app.

Marketing support to reach your cardholders wherever they are

13

Banner Ads

Direct Mail &

BrochuresE-mail

Social MediaIn-branch

Website &

Online

Soon, you will be able to download the myBrand app and connect with all of your card activity.

Think of it as a constant conversation with your cards. There’s a lot of things your wallet app can’t wait to tell you!

With a tap of the app you will be able to see recent transactions, check balances, and locate ATMs ans.

©2018 FIS and/or its subsidiaries. All Rights Reserved. FIS confidential and proprietary information.